As Floridians ourselves, we know that the cost of air conditioning becomes one of the largest home expenses during the long summers. Cooling expenses should also be a consideration when buying a house as both electricity and the premiums for Florida homeowners insurance are two big costs of home ownership to consider beyond just making mortgage payments.
If you’ve just bought a new house – and especially if this is your first time buying one – you’re probably wondering exactly how your homeowners insurance works and what it covers. Well, a better answer may be what it doesn’t cover. Many new homeowners assume their policy handles quite a few types of damage that it doesn’t, and the results can be devastating in a disaster. So before calling it a day and turning your attention to other things, it’s best to find out what your home insurance fails to cover and fill in any holes. Here are five of the biggest gaps that you might consider plugging.
If you’ve ever been the unfortunate victim of identity theft, you know all too well the terrible wave of panic that sweeps over you the moment you realize your information has been stolen and used fraudulently. You also know how difficult it is to put the pieces back together and recover from an incident involving identity theft or fraud.
When you’re in the throes of spring cleaning, take a moment and remember to add these fire prevention tips onto your honey-dos. Not only do you want to prevent fires and keep the lives of your family members safe, but you also want to safeguard against costly smoke damage which can often be impossible to remove. Here are a few fire safety tips to get you going.
So you’re in the process of buying a new home, and you’re wondering what the deal is with home insurance. You need it, obviously, but how should you go about finding it? What type of coverage do you need? How do you know if you have enough insurance? Those are all great questions to talk with a local independent agent about. The following 10 factors are crucial to take into account when you’re trying to choose homeowners insurance, so don’t overlook them.
New Year, New…Insurance Policy? You bet. Floridians were hit hard in 2017 and many were left disillusioned with their coverage. Now is the time to dig into the details of your policy, talk with your insurance agent, and make changes to ensure 2018 is covered.
Preparing for travel over the holidays can make people simultaneously anxious and excited. You’re balancing how fun it will be to have family meet your new bundle of joy versus how much your fellow airline passengers will appreciate your precious cargo. When you start feeling overwhelmed, keep these tips in mind for easier travel.
Cooking a turkey is kind of a big deal. Whether this is your first time or your 50th, read through these tips for thawing and cooking to reduce cross contamination and potential food poisoning. You’ll also find tips for storing leftovers and minimizing choking hazards! Keep everyone safe this thanksgiving while still enjoying the festivities.
It’s great to get everyone under one roof for the holidays. Good food, good friends, and good fun abound. If you’re the hostess with the mostess this year, be sure to check your list twice for safety. May your holidays be extra cozy when you take these few extra precautions into consideration as you prepare your home for guests.
The holiday season is finally here and that means it’s time to make sure your home is ready for a Halloween celebration. Whether you’re having friends over for a candy-filled night of fun or you plan on welcoming lots of tiny tots in costume to choose their favorite treats, it’s also a good time of year to revisit your homeowner’s insurance policy. With a comprehensive Florida home insurance policy and a few simple safety tips, you can make sure everyone have a spooky and fabulous night!